SBI Card · Mid
PhonePe SBI SELECT BLACK
Where it ranks across all 187 cards
#6 Electronics
5.0%
direct
#7 Movies & events
5.0%
direct
#8 Food delivery
5.0%
direct
#10 Online shopping
5.0%
direct
#12 Fashion
5.0%
direct
#22 Insurance
1.0%
direct
portal reaches 5.0%
#44 Mobile / broadband
1.0%
direct
portal reaches 10.0%
#52 Train tickets
1.0%
direct
#56 Cabs & transit
1.0%
direct
#57 Other
1.0%
direct
#59 Health & pharmacy
1.0%
direct
#71 Hotels
1.0%
direct
#73 Flights
1.0%
direct
portal reaches 10.0%
#74 Groceries
1.0%
direct
#78 Dining out
1.0%
direct
1 Jul 2026
Scan & Pay / UPI outside PhonePe earns nothing; insurance sub-capped 500 RP/month.
Get an email if this card changes - sign in.
Points valued at ₹1/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1 pt / ₹100
source
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
5 RP/₹100 on online spends (5% value)
5.00%this rule
5 pts / ₹100
source
Source: PhonePe SELECT BLACK e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
10 RP/₹100 on PhonePe app: recharges, utilities, bills, travel (10% value)
via phonepe app · 1,500 RP/calendar month (non-insurance)
source
Source: PhonePe SELECT BLACK e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
10.0%
10 RP/₹100 on insurance via PhonePe (separate sub-cap)
via phonepe app · 500 RP/calendar month (insurance)
source
Source: PhonePe SELECT BLACK e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
10.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on13 exclusions
Fuel
earns nothing
Fuel earns nothing (bank T&C MCC list).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads earn nothing (bank T&C MCC list).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing (MCC 6513, bank T&C).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Education
earns nothing
Education earns nothing (bank T&C MCC list).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8241, 8244, 8249, 8299, 8220
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Government / tax
earns nothing
Government spends earn nothing (bank T&C MCC list).
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9311, 9399
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Gaming
earns nothing
Digital gaming earns nothing (bank T&C MCC list).
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 5816, 7993, 7994
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Jewellery & watches
earns nothing
Jewellery earns nothing (bank T&C MCC list).
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5094, 5944
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
FASTag recharge
earns nothing
Tolls earn nothing (MCC 4784, bank T&C).
→ use FIRST Private here (6.6%)
detail & source
merchants: FASTag recharge · MCCs: 4784
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Fuel
earns nothing
Fuel earns nothing (surcharge waiver only).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026
Utility bills
earns nothing
Utilities & insurance OUTSIDE the PhonePe app earn nothing (MCC-excluded).
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900, 4814, 4899
Source: PhonePe SBI SELECT BLACK page (sbicard.com) - sbicard.com - read 22 Aug 2026